Questionnaire fro Micro finance survey

D/B/ Block……….

Sr. No……….

SCHEDULE DEMOGRAPHIC PROFILE OF THE RESPONDENTS 1.

Gender: (i) Male

(ii) Female

2.

Age: (i) <20

3.

Marital status: (i)Single

(ii) Married

(iii) Widow

4.

Type of family: (i)Joint

(ii) Nuclear

(iii) Extended

5.

Education: (i) Illiterate

(ii) Matric

(ii) 20-30

(v) Post-graduation 6.

(iii) 30-40

(iv) Housewife

(iv) Graduation

(vii) Other 

(ii) Self -employed

(v) Unemployed

(iv) Divorce

(iii) Higher education

(vi) Vocational

Occupation: (i) Employed

(iv) 40<

(iii) Labour 

(vi) Professional

(vii) Family owned business

(viii) Retired

SURVEY QUESTIONS 1.

Did you take credit?

2.

Which type of credit source you use? (i)Formal

3.

Up to what limit you take credit? (i) < 10000 (iv) 40000-100000

4.

(ii) Informal (ii) 10000-20000

(iv) 1year - 2 years

What is the purpose of taking credit?

(ii) 1 month -6 months

(v) 2 years – 5 years

(i) Emergencies

(iv) Consumption

(iii) 20000-40000

(vi) 250000<

For how long time period did you take credit? (i) < month

(iii) Education 6.

(ii) No

(v) 100000 -250000

(iii) 6 months- 1year 5.

(i) Yes

(vi) 5 years <

(ii) Housing/housing repairs

(v) For marriage

Up to what extent you repaid your credit?

(i) Fully paid

(ii) Half paid

(iii) More than half

(iv) Not paid

7.

Do you think you fully utilised credit taken by you? (i) Yes

(ii) No

8.

Are you aware of the duration and amount of loan you have taken? (i) Yes

9.

Are you aware of the interest rate charged on your loan?

10.

Are you aware of the consequences of non -repayment of loan? (i) Yes

(i) Yes

(ii) No

(ii) No (ii) No

PERCEIVED SATISFACTION LEVEL FROM DIFFERENT SOURCES OF FINANCE

Sr.  No.

Statements

1

Adequate information is provided by the creditor  Procedures for raising loan are convenient Time taken to access credit is less and reasonable Loan amount received is enough to meet the needs There are multiple loan duration options available Rate of interest charged by the creditor is  justified Suitable schemes are available as per  needs of the borrower  Terms and conditions of the creditor are satisfactory Time taken to get the loan sanctioned is reasonable File charges and other paperwork costs are tolerable Demand for collaterals is enforced by the agency Requirement of guarantee is enforced by the agency Compulsory saving requirements Loan Repayment policy of creditor is liberal Loan utilisation check from the agency is strictly followed Transportation cost to visit the financing agency is affordable I am well aware of the Consequences of  non-repayments The creditor gives you due recognition and respect Complaints/problems are well entertained by creditor  When you meet the creditor’s staff their   behaviour is friendly and warm

2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

Agree

Strongly  Neutral agree

Disagree

Strongly Disagree

PERCEIVED LEVEL OF IMPACT ON THE RESPONDENTS AVAILING MICRO CREDIT:

Sr.  No.

Statements

1

Micro financing has aided in poverty reduction Micro financing has contributed in improvement of income level Micro financing has contributed in improvement of consumption level Micro financing has contributed in improvement of social status Micro financing has enhanced awareness of social issues Micro financing has increased exposure to the outside world Micro financing has helped in building confidence of the borrower  Micro financing has contributed in Increasing the decision making power of  the user  Micro financing has resulted in enhancing recognition in the family

2 3 4 5 6 7 8

9

Agree

Strongly  Neutral agree

Disagree

Strongly Disagree